SafeAuto Insurance was founded in 1993 in Columbus, Ohio. Although the company is relatively new, it has made a name for itself as a leader in direct to consumer minimum-limit insurance. SafeAuto operates in 19 states and is independently-owned.364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions
Are you insuring multiple vehicles?
Are you currently insured?
Are you a homeowner?
364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
Location-Icon Created with Sketch.
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance SafeAuto has an A+ rating from the Better Business Bureau (BBB). However, there have been 181 customer complaints closed within the last three years. Consumer Affairs gives SafeAuto a 1.2 star rating, based on 143 reviews.
Not sure where to start?
Close Icon Close Icon The widget will live hereBecause SafeAuto specializes in non-standard insurance, so if you need an SR-22, or can’t get insurance through another provider, SafeAuto can give you the coverage you need.SafeAuto car insuranceThe SafeAuto Insurance website lists the company’s coverage options and discounts. The basic legal minimum required by each state is limited to liability insurance to cover someone else’s damages (third parties) and leaves you unprotected.CoverageSafeAuto offers state-minimum car insurance for higher-risk drivers, like people with a history of accidents, tickets or poor credit. Here are the coverages you can purchase from SafeAuto:
Rental car coverage
Personal injury protection
DiscountsAlthough their insurance coverages are one of the most affordable, you can save further with the following discounts:
New Business Transfer
SafeAuto home insuranceSafeAuto offers home insurance, but its policies are underwritten by Hippo Insurance. On its website, SafeAuto claims that Hippo sells home insurance policies for up to 25% less than its competitors. So if you’re looking for an affordable rate, SafeAuto could be a good choice.CoverageHippo stands out for its “smart coverage,” which is designed for modern lifestyles. In reality, the coverages are pretty basic. Here’s what you get with a Hippo home insurance policy:
Personal property coverage
Additional living expenses
Enhanced coverage for appliances
Water backup and service line coverage
DiscountsThrough SafeAuto, you can access all of Hippo’s discounts. Their policies are already affordable, but the company offers a variety of ways to save even more money. These discounts include:
SafeAuto renters insuranceSafeAuto’s renters insurance policies are fulfilled by Millennial Specialty Insurance (MSI). The company specializes in renters insurance, and the offerings are very basic. MSI’s website states that the company is “cloud-based,” which means everything from billing to filing a claim can be done online or on a mobile device. MSI offers the following renters coverages: Coverage
Additional living expenses
DiscountsMSI doesn’t advertise any discounts on its website. However, if you have an existing insurance policy with SafeAuto, you can get a discount if you add a renters insurance policy.SafeAuto life insuranceIf you’re looking for affordable life insurance, considering getting a policy from SafeAuto. The company offers life insurance for as low as $5 per month through its underwriting partner, Bestow. To find out if you qualify for coverage, you can visit Bestow’s website, answer a few questions, and see your status eligibility within minutes.CoverageBestow only sells term life insurance, with the choice of a 10 or 20 year term. One of the perks of Bestow is that you don’t need a medical exam in order to get approved for coverage. When you apply, the company uses information about your prescriptions, credit history and driving record to determine your age, health risks, and other factors that contribute to your eligibility.DiscountsBestow doesn’t advertise any discounts on its website. However, you can probably qualify for a policy bundling discount if you’re an existing SafeAuto customer.SafeAuto ratings, reviews, customer satisfaction and complaintsNone of SafeAuto’s insurance products are rated by J.D. Power, a leading organization that ranks insurance companies based on customer satisfaction. However, the Better Business Bureau (BBB) awards SafeAuto Insurance with an A+ rating although the average customer rating of 25 reviews is only 1 star. Most customers complain that the insurer is slow to respond to and pay out claims.Reasons why SafeAuto is a great optionSafeAuto offers affordable insurance to drivers that may have trouble finding auto insurance elsewhere. Specifically, this includes drivers who have a history of accidents, have been charged with a DUI, or have a low credit score. Here’s why you should choose SafeAuto:
A high chance of being insured regardless of credit and driving history
Competitive prices for state-required minimum liability insurance
Flexible payment options: annual, bi-monthly or monthly payment plans available
Easy-to-use mobile app
Drivers can choose any mechanic for auto repairs
If you’re looking for home, auto or life insurance, SafeAuto is a good option for people who want bare-bones coverage at a low price. Although the company doesn’t underwrite its policies (besides auto), its partner providers generally get good reviews and are financially stable.Average rates available from SafeAutoSafeAuto specializes in selling basic auto liability insurance. Many factors play into how much a policy can cost like location, age, driving history, credit score and more. Luckily, their website makes it simple to get a quote. Here’s what you can expect to pay on average for minimum liability car insurance with SafeAuto:
Type of Driver
Average Annual Price
Age 21 – 39
Age 40 – 59
Age 60 and up
High-risk with a previous DUI, at-fault accident or reckless driving ticket
Low credit score
Fair credit score (550 – 675)
Good credit score (over 675)
Additional policies offered by SafeAutoAlthough SafeAuto’s main focus is on basic liability auto insurance, it has expanded into other products. To get the best savings on all your policies, take advantage of its multi-policy discount by adding any of the following along with your auto insurance policy:
Business Insurance including liability, commercial property, business owner policy and workers compensation.
Health insurance like dental, medical, accident and critical illness.
Mechanical repair service plans to cover vehicle repairs.
Frequently asked questionsWhat information is needed to get a quote from SafeAuto?You can get a quote in as little as three minutes, according to the company. You’ll need your car’s year, make, model or Vehicle Identification Number (VIN), driving history info like previous accidents or tickets and location of where you will park your vehicle.Does the SafeAuto Insurance Company insure in all states?At this time, SafeAuto only insures residents of: Alabama, Arizona, California, Colorado, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas and Virginia.How do I file a claim with SafeAuto?If you’re involved in an accident and need to report a claim to SafeAuto, follow these steps:
If applicable, contact the local authorities to report the accident and obtain a copy of the report.
Take photos of the accident and location.
Note the date and time of the accident.
Note the year, make and model of any other vehicles involved.
Write down names, addresses and phone numbers of all drivers, passengers and witnesses.
Note any injuries.
Write down drivers license and insurance information for other involved parties.
Write a summary of how the incident happened.
Call SafeAuto at 1-800-723-3288 and follow their instructions on how to submit the above.
How long does it take for SafeAuto insurance to pay a claim?Depending on how serious or complicated the accident, customer reviews state claims take anywhere from days to weeks to pay out.